Business Tool
Business Water Downtime Cost Calculator
Use this tool to estimate the financial impact of a commercial water damage closure for internal reporting and business-interruption insurance documentation. All outputs are estimates based on your inputs - they are not guarantees of coverage or loss amounts. Actual BI claims are calculated by your accountant and insurer using your actual financials.
Total daily business revenue from this location
Staff unable to work at this location during closure
Salary/benefits cost per employee per day
Use our Drying Time Estimator for a range
Rent, utilities, insurance, subscriptions that continue during closure
Temporary space, remote work setup, expedited vendor costs
What Business-Interruption Insurance Covers
Commercial property policies commonly include business-interruption (BI) coverage that pays for net income loss (revenue minus variable costs that do not continue during closure) and continuing operating expenses during the covered closure period. BI coverage typically has a waiting period (often 72 hours) and a restoration period limit. The calculation above estimates your gross exposure; your actual BI benefit depends on your specific policy's net income definition, deductible, waiting period, and limits.
For federal contractors in Herndon, Chantilly, and Springfield: water events that affect government contract performance may have separate notification requirements. Review your contract's business continuity provisions alongside your BI policy. Call (571) 741-6292 for commercial water damage across the Northern Virginia corridor.
Related: Commercial Damage Restoration | Insurance Claims Support | Drying Time Estimator